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<br /> THIS INSTRUMENT PREPARED BY: AFTER RECORDING RETURN TO:
<br /> Home Federal Savings&Loan Association of Home Federal Savings&Loan Association of
<br /> Grand Island Grand Island
<br /> 221 South Locust Street 221 South Locust Street
<br /> GRAND ISLAND, NE 68801 GRAND ISLAND,NE 68801
<br /> (Space Above This Line For Recording Data)
<br /> NMLS COMPANY IDENTIFIER: 446443
<br /> DEED OF TRUST
<br /> THIS DEED OF TRUST ("Security Instrument") is made on August 22, 2013. The grantors are LOREN L
<br /> DENNHARDT and DENISE K DENNHARDT, HUSBAND AND WIFE, whose address is 2309 E US HWY
<br /> 30, GRAND ISLAND, Nebraska 68801-8323 ("Borrower"). Borrower is not necessarily the same as the Person
<br /> or Persons who sign the Note. The obligations of Borrowers who did not sign the Note are explained further in the
<br /> section titled Successors and Assigns Bound; Joint and Several Liability; Accommodation Signers. The
<br /> trustee is Arend R. Baack, Attorney whose address is P.O. Box 790, Grand Island, Nebraska 68802
<br /> ("Trustee"). The beneficiary is Home Federal Savings& Loan Association of Grand Island,which is organized
<br /> and existing under the laws of the United States of America and whose address is 221 South Locust Street,
<br /> Grand Island, Nebraska 68801 ("Lender"). LOREN L DENNHARDT and DENISE K DENNHARDT owe
<br /> Lender the principal sum of Fourteen Thousand Eight Hundred Seventy-two and 48/100 Dollars (U.S.
<br /> $14,872.48), which is evidenced by the note, consumer loan agreement, or similar writing dated the same date as
<br /> this Security Instrument (the "Note"), which provides for periodic payments ("Periodic Payments"), with the full
<br /> debt, if not paid earlier, due on September 21, 2018. This Security Instrument secures to Lender: (a) the
<br /> repayment of the debt evidenced by the Note, with interest, and all renewals, extensions and modifications of the
<br /> Note; (b)the payment of all other sums, with interest, advanced to protect the security of this Security Instrument
<br /> under the provision ,F the section titled Protection of Lender's Rights in the Property;and(c)the performance
<br /> of Borrower's covenants and agreements under this Security Instrument and the Note. For this purpose, Borrower,
<br /> in consideration of the debt and the trust herein created, irrevocably grants and conveys to Trustee, in trust, with
<br /> power of sale,the follow ng described property located in the COUNTY of HALL, State of Nebraska:
<br /> Address: 2309 E U HWY 30, GRAND ISLAND,Nebraska 68801-8323
<br /> Legal Description: SEE LEGAL DESCRIPTION EXHIBIT "A" HERETO ATTACHED
<br /> TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements,
<br /> appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be
<br /> covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the
<br /> "Property."
<br /> BORROWER COVENANTS thai ;orrower is lawfully seised of the estate hereby conveyed and has the right to
<br /> grant and convey the Property a.:,l that the Property is unencumbered, except for encumbrances of record.
<br /> Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to
<br /> any encumbrances of record.
<br /> Borrower and Lender covenant and agree as follows:
<br /> Payment of Principal and Interest; Prepayment and Late Charges. Borrower shall promptly pay when due the
<br /> principal of and interest on the debt evidenced by the Note and any prepayment and late charges due under the
<br /> Note.
<br /> Applicable Law. As used in this Security Instrument, the term "Applicable Law" shall mean all controlling
<br /> applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders (that have
<br /> the effect of law)as well as all applicable final,non-appealable judicial opinions.
<br /> Application of Payments. Unless Applicable Law provides otherwise, all payments received by Lender shall be
<br /> applied: first, to any prepayment charges due under the Note; second, to interest due; third, to principal due; and
<br /> last,to any late charges due under the Note.
<br /> 0 2004-2012 Compliance Systems,Inc CECA-780B-201 1 L2 10 600
<br /> Consumer Real Estate-Security Instrument DL2036 Page I of 5 www compliancesystems corn
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